Maybe they're protecting fraud?
An article arrived in the mail today. It was clearly advertising trying hard to not look like advertising. It wasn't in a normal envelope but in a pull-the-perforated-edge off thing. It was made to look as if it had been stamped "Check enclosed" (no check I've received in the mail has needed such advertisement, nor desired it.) The check was for $10. The program it would have started would have cost $11.99 per month. The program? So-called "Fraud Protection." Don't they see the irony in this?